Frequently Asked Questions
Do you offer an initial consultation?
Yes. It's important that you get a chance to ask any questions you might have. Similarly, I'm not looking to work with anyone who can fog a mirror. The consultation gives us a chance to see if I can help you, if you'd be a good fit for Aspera's investment process and philosophy, or if taking you on as a client would, in any way, increase the chance that I'll eventually be prescribed anti-psychotic meds.
Do I have to live locally to be a client?
No. I actually don't have many face-to-face meetings. Most communication can efficiently be handled with emails, phone calls, and video calls, so you can live anywhere that at least has dial-up modem capabilities or access to free Starbucks WiFi.
What is a fiduciary? Are you one?
A fiduciary has a legal responsibility to put his or her clients’ best interests first. You'd think every financial adviser would be a fiduciary, but you'd be mistaken. Why aren't they all? I don't know. Seems ridiculous. And, yes, I am a fiduciary.
Where did the name "Aspera" come from?
What is your fee? Do I need a minimum account size (in dollars) to be a client?
Where are my funds (money/account) kept?
Do I have a say in what securities are in my account?
I have full discretion over trading decisions. I might make minor exceptions if you feel strongly about avoiding companies controlled by tyrannical, arms-dealing drug lords, but let's keep the requests to a minimum. I don't ask for permission before buying or selling securities. It's imperative that I can structure and alter client portfolios in a timely manner as I best see fit if I'm to do my job well. If you're not comfortable with this...why are you looking for an investment adviser? Just go buy a basket of ETFs and get back to Netflix. For clients who wish to manage a portion of their assets themselves, those funds can be placed in a separate account and managed separately by the client.
Am I locked into a contract?
What do you charge for financial planning?
Financial planning advice is included for my investment management clients. In other words, if you're paying me to manage your investment account/s, there is no extra cost for any financial planning help you might need.
What areas of financial planning do you help with?
I help my clients with just about any finance-related issues they have, but I don't have a cookie-cutter approach to financial advice. Everyone's needs, goals, and financial circumstances are different. Some issues may require detailed analysis while others require a thorough review. We'll talk about your specific needs and whether I can help during our first phone call.